Christina Carrabino | IR |
Chris Myers | President and CEO |
Allen Nicholson | EVP and CFO |
Aaron Deer | Sandler O'Neill and Partners |
Matthew Clark | Piper Jaffray |
Gary Tenner | D.A. Davidson |
Jackie Bohlen | KBW |
Good morning, ladies and gentlemen, and welcome to the Third Quarter 2018 CVB Financial Corp. and its subsidiary, Citizens Business Bank, Earnings Conference Call. My name is William, and I'm your operator for today. [Operator Instructions] And please note that today's event is being recorded. I would now like to turn the conference over to your host for today's call, Christina Carrabino.